Home credit remedies evaluation
... The CC found that the prices of home credit loans were high by comparison with the prices of many other credit products (though, given the differences in product offerings, that did not necessarily imply that a home credit loan represented worse value for money). 24 The CC found that annual percenta ...
... The CC found that the prices of home credit loans were high by comparison with the prices of many other credit products (though, given the differences in product offerings, that did not necessarily imply that a home credit loan represented worse value for money). 24 The CC found that annual percenta ...
To lock or not to lock – An introduction to the Locked Box
... aspects of the sale and purchase agreement (“SPA”) can be the difference between a good deal and a great deal. In any transaction, the SPA represents the outcome of key commercial and pricing negotiations between parties. The financial aspects of the SPA are key to ensure that the Buyer is buying (a ...
... aspects of the sale and purchase agreement (“SPA”) can be the difference between a good deal and a great deal. In any transaction, the SPA represents the outcome of key commercial and pricing negotiations between parties. The financial aspects of the SPA are key to ensure that the Buyer is buying (a ...
Does direct foreign investment affect domestic firms
... This paper does not attempt to calculate the implications of our results for overall welfare in Cote d’Ivoire. To properly account for the total impact of DFI on the host country, we would need to take into account the impact of foreign investment on domestic wages, profits, and employment; the role ...
... This paper does not attempt to calculate the implications of our results for overall welfare in Cote d’Ivoire. To properly account for the total impact of DFI on the host country, we would need to take into account the impact of foreign investment on domestic wages, profits, and employment; the role ...
Rethinking the Role of Recourse in the Sale of Financial Assets
... the role of recourse in the sale of financial assets. The concept of "true sale" is profoundly significant in today's commercial world. Defining true sale is the holy grail of the securitization market, a market in which hundreds of billions of dollars flow in transactions structured around constant ...
... the role of recourse in the sale of financial assets. The concept of "true sale" is profoundly significant in today's commercial world. Defining true sale is the holy grail of the securitization market, a market in which hundreds of billions of dollars flow in transactions structured around constant ...
Chapter 7
... permit the holder to buy stock for a stated price, thereby providing a capital gain if the stock’s price rises. ...
... permit the holder to buy stock for a stated price, thereby providing a capital gain if the stock’s price rises. ...
DP2012/05 The macroeconomic effects of a stable funding requirement
... effects of prudential policies. A large finance literature models responses to prudential policies. Some of these models feature endogenous risk taking among heterogeneous agents and provide rich, non-linear dynamics, but they are typically set in short-horizon, partial equilibrium models.8 In cont ...
... effects of prudential policies. A large finance literature models responses to prudential policies. Some of these models feature endogenous risk taking among heterogeneous agents and provide rich, non-linear dynamics, but they are typically set in short-horizon, partial equilibrium models.8 In cont ...
First half year 2016 results
... Net debt increased to € 1 151 million, including € 298 million acquisition impact of the Bridon merger deal. Net debt on EBITDA was 2.4, unchanged from the same period last year and up from 1.9 at year-end 2015. Excluding the Bridon impact, net debt on EBITDA was 1.8, slightly down from year-end 201 ...
... Net debt increased to € 1 151 million, including € 298 million acquisition impact of the Bridon merger deal. Net debt on EBITDA was 2.4, unchanged from the same period last year and up from 1.9 at year-end 2015. Excluding the Bridon impact, net debt on EBITDA was 1.8, slightly down from year-end 201 ...
BankGuam Holding Company
... a major effect on our financial performance. Much of Guam’s economy is based upon two industries, tourism and military defense. Throughout 2010 and early in 2011, the tourism industry was recovering vigorously from many years of weak activity, but visitor arrivals suddenly collapsed in the wake of t ...
... a major effect on our financial performance. Much of Guam’s economy is based upon two industries, tourism and military defense. Throughout 2010 and early in 2011, the tourism industry was recovering vigorously from many years of weak activity, but visitor arrivals suddenly collapsed in the wake of t ...
Critique of accommodating central bank policies and the
... putting more and more pressure on the self-provisioning of people, banks and insurance companies… This now raises the question of how deeply an institution without democratic legitimacy can dig into the pockets of the people… Low interest rates are a drug with significant side effects: they hide str ...
... putting more and more pressure on the self-provisioning of people, banks and insurance companies… This now raises the question of how deeply an institution without democratic legitimacy can dig into the pockets of the people… Low interest rates are a drug with significant side effects: they hide str ...
Handbook of German States - Erik F. Nielsen
... issued by German states which enjoy a 0% risk weight, have very high credit ratings (ranging from AAA to AA-) and a high level of liquidity, all of which are factors favored by the current regulatory regime. Thus, German states are classified as Level 1 for the Liquidity Coverage Ratio and receive a ...
... issued by German states which enjoy a 0% risk weight, have very high credit ratings (ranging from AAA to AA-) and a high level of liquidity, all of which are factors favored by the current regulatory regime. Thus, German states are classified as Level 1 for the Liquidity Coverage Ratio and receive a ...
Risk Cannot Explain the Muni Puzzle
... U.S. government’s option to rescind the tax-exemption feature of municipal bonds. In 1988 the Supreme Court ruled in South Carolina v. Baker that the U.S. government has a right to tax interest on municipal bonds [see Poterba (1989) for details]. In principle, the characteristics of the government’s ...
... U.S. government’s option to rescind the tax-exemption feature of municipal bonds. In 1988 the Supreme Court ruled in South Carolina v. Baker that the U.S. government has a right to tax interest on municipal bonds [see Poterba (1989) for details]. In principle, the characteristics of the government’s ...
The Bank for International Settlements and the Debt Crisis: A New
... Other commentators warned against raising expectations about the Bank's potential activities too high. 2 ' In truth, the framers of the Young Plan had only modest intentions for the new financial institution. The Bank would be commercial in character and independent of political influence. 22 It wou ...
... Other commentators warned against raising expectations about the Bank's potential activities too high. 2 ' In truth, the framers of the Young Plan had only modest intentions for the new financial institution. The Bank would be commercial in character and independent of political influence. 22 It wou ...
Methodology And Assumptions: Liquidity
... to meet the ratio test for A/B and at least four of the other supportive characteristics listed below. Few companies qualify for this category. The first three characteristics reference quantitative measures that apply in most industries. In exceptionally stable or volatile industries, however, the ...
... to meet the ratio test for A/B and at least four of the other supportive characteristics listed below. Few companies qualify for this category. The first three characteristics reference quantitative measures that apply in most industries. In exceptionally stable or volatile industries, however, the ...
SUNTRUST BANKS INC (Form: 8-K, Received: 01
... • Estimated capital ratios continue to be well above regulatory requirements. The Common Equity Tier 1 ("CET1") ratio was estimated to be 9.6% as of December 31, 2016, and 9.4% on a fully phased-in basis. • During the quarter, the Company repurchased $240 million of its outstanding common stock in a ...
... • Estimated capital ratios continue to be well above regulatory requirements. The Common Equity Tier 1 ("CET1") ratio was estimated to be 9.6% as of December 31, 2016, and 9.4% on a fully phased-in basis. • During the quarter, the Company repurchased $240 million of its outstanding common stock in a ...
PINNACLE WEST CAPITAL CORP (Form: 8-K
... amount, timing and manner of the competitive solicitation" for Track B purposes, thereby bifurcating the regulatory treatment of the existing APS assets and the PWEC assets (see the Track A Order, sixth Ordering Paragraph). The ACC Staff is conducting workshops on the Track B issues with various par ...
... amount, timing and manner of the competitive solicitation" for Track B purposes, thereby bifurcating the regulatory treatment of the existing APS assets and the PWEC assets (see the Track A Order, sixth Ordering Paragraph). The ACC Staff is conducting workshops on the Track B issues with various par ...
Advertising and Issuing Credit Online
... contain rate, fee, and other cost information, as applicable; – A link to the electronic disclosures is provided on or with the application as long as consumers cannot bypass the disclosures before submitting the application. The link would take the consumer to the disclosures, but the consumer need ...
... contain rate, fee, and other cost information, as applicable; – A link to the electronic disclosures is provided on or with the application as long as consumers cannot bypass the disclosures before submitting the application. The link would take the consumer to the disclosures, but the consumer need ...
How the Affluent Manage Home Equity to Safely and Conservatively
... of the mortgage. We can only conclude they are operating on outdated knowledge from previous generations when there were few options other than the 30 year fixed mortgage. Wealthy Americans, those with the ability to pay off their mortgage but refuse to do so, understand how to make their mortgage wo ...
... of the mortgage. We can only conclude they are operating on outdated knowledge from previous generations when there were few options other than the 30 year fixed mortgage. Wealthy Americans, those with the ability to pay off their mortgage but refuse to do so, understand how to make their mortgage wo ...
Bank structural reform study: Supplementary report 1
... difficult for EU banks compared to the US 3. There is also a need to ensure that the parameters are correctly specified and the econometric model is robust and passes key regression specification tests. A credit ratings based approach has often been used in the EU context, for example OECD (2012) 4, ...
... difficult for EU banks compared to the US 3. There is also a need to ensure that the parameters are correctly specified and the econometric model is robust and passes key regression specification tests. A credit ratings based approach has often been used in the EU context, for example OECD (2012) 4, ...
Chapter 7: The Demand for Money
... risen, and they would want to reduce their money balances in order to hold more of their assets in the form of bonds. As the Joneses and others try to purchase bonds, they bid bond prices up and bond yields down. Again, keep in mind that the total quantity of money in the economy is not altered by t ...
... risen, and they would want to reduce their money balances in order to hold more of their assets in the form of bonds. As the Joneses and others try to purchase bonds, they bid bond prices up and bond yields down. Again, keep in mind that the total quantity of money in the economy is not altered by t ...